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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,542 | $225,673-57.7% | $203,872-53.1% | $155,188-38.4% |
| Participation rate | 53.8% | 80.3%-26.5pp | 77.8%-24.0pp | 80.8%-27.0pp |
| Annual return | 21.21% | 95.91%-74.7pp | 85.11%-63.9pp | 148.84%-127.6pp |
| Employer contribution / active EE | $1,882 | $4,099-54.1% | $3,757-49.9% | $4,248-55.7% |
| Participant deferral / active EE | $8,723 | $6,893+26.6% | $6,388+36.6% | $6,531+33.6% |
| Admin fee / account holder | $1,660 | $12,327-86.5% | $11,730-85.9% | $14,480-88.5% |